Whitepaper: The great retail payment plot twist

This whitepaper tells the story of how modern retailers are rethinking payments, from fragmented acceptance models to orchestration and ownership. Follow one retailer's journey and discover what it means for payment enablers. Fill out the form to get your copy.

Retail payments are no longer a background utility. As customer journeys fragment across channels, devices, and touchpoints, outdated payment models are quietly eroding margins, approvals, and customer experience.

This whitepaper explores that shift through the lens of a fictional but familiar retailer, Ridgetown Retail. What looks seamless on the surface hides a growing problem underneath: fragmented payment stacks, limited visibility, and a checkout model that no longer reflects how retail actually works.

Told as a story, this whitepaper walks through the evolution of retail payments across three eras: acceptance, orchestration, and ownership. Along the way, it shows how checkout has moved beyond the till, why single-provider models are breaking down, and how orchestration becomes the turning point for control, resilience, and growth.

Inside, you will learn how to:

• Understand why traditional acceptance models are holding retailers back
• See how orchestration unifies channels, devices, and providers into one strategy
• Improve approval rates, resilience, and speed with multi-acquirer routing
• Turn fragmented payment data into actionable insight
• Prepare retailers for the shift toward payment ownership and new revenue opportunities

Discover what happens when retailers stop accepting payments as-is and start shaping them as a strategic advantage. Fill out the form to download the whitepaper today!